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SG Unlimited Cashback Credit Card SG Unlimited Cashback Credit Card
  1. Credit Cards
  2. Unlimited Cashback Credit Card

Unlimited Cashback Credit Card

Apply now and enjoy 1.5% cashback. No cashback cap and no minimum spend.

Unlimited Cashback Credit Card Benefits1

  • cashback on all your spends. No minimum spend. No cashback cap.

  • cashback sign up gift

  • for the first two years

1 Terms and Conditions apply.

APPLY NOW

Credit Card Features

Apply for an Instant Digital Credit Card online using MyInfo. Read more

Get cash instantly at 0% interest at a one-time processing fee with your Standard Chartered Credit Card. T&Cs apply. Read more

Get Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment. T&Cs apply. Read more

Manage your finances with our interest-free monthly instalment plans. T&Cs apply. Read more

The Good Life® is what you make of it. Enjoy exciting card offers and privileges at over 3,000 outlets in Asia from dining offers to shopping, travel and lifestyle benefits. Read more

Convert your retail transactions above $500 into 6 or 12 months interest-free instalments with a one-time service fee. T&Cs apply. Read more

Cover your travel, wedding banquet, hospitalisation or funeral expenses with extra cash. Call 6747 7000 to apply. Temporary Credit Limit Increase T&Cs apply

Enjoy the convenience of tapping your phone on any contactless sales terminal to pay with Apple Pay, Google Pay™ or Samsung Pay. Read more

Benefit from a higher credit limit and increased spend by applying for a credit limit review online. T&Cs apply. Read more

The EZ-Link facility will be discontinued for Standard Chartered Unlimited Cashback Credit Cards issued post 3 December 2019. For more details, please click here.
EZ-Link facility enabled on all Unlimited Cashback Credit Cards issued before 3 December 2019, enables you to tap your card to pay for your public transport and commute freely. What’s more, the card is pre-enrolled with the EZ-Reload by Card service upon activation for a hassle-free auto top-up when your card has insufficient value for payments. If you opt to activate EZ-Reload using the Autoload Reference Number (ARN), please be advised that each top-up amount is $50.

Click here for FAQ

Application Eligibility

  • Aged: 21 – 65 years
  • Minimum annual income: S$30,000

For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

No documents are required

For salaried employees:
  • Copy of NRIC (front and back)
  • Latest computerised payslip OR
  • Latest 6 months’ CPF Contribution History Statement OR
  • To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.
For self-employed
  • Copy of 2 year income tax notice of assessment (must be in business for a minimum of 2 years)
For commission earner (any one from below)
  • Latest 3 months payslip + Latest income tax notice of assessment
  • Latest 6 months CPF contribution history statement
  • Latest 3 months payslip
  • Copy of 2 year income tax notice of assessment ( For 100% commission earner)

Refer to application form for details

Application Eligibility

  • Aged: 21 – 65 years
  • Minimum annual income: S$60,000
  • Must hold a Singapore Employment Pass

For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

No documents are required

Please prepare the following:
  • Copy of Passport (with at least 6 months’ validity)
  • Copy of your Employment Pass
  • Any ONE of the following documents:
    (i) Latest utility bill, rates or tax bill
    (ii) Latest bank / credit card statement (e-Statements are accepted)
    (iii) Rental agreement showing your address
    (iv) Latest mobile phone statement or pay-TV statement
    (v) Letter from employer stating current address
    (vi) Government-issued document stating current address (e.g. IRAS, CPF, ICA)
Additional Documents:
For Salaried Employees/Partial Commission-based Earners
  • Latest computerised payslip

    To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.

For 100% Commission-based Earners
  • Copy of NRIC (front and back)
  • (i) Latest Income Tax Notice of Assessment (NOA) OR
    (ii) Latest 3 months of Commission Statement from same employer
For Self-employed
  • Latest Income Tax Notice of Assessment (NOA)
First and Second year S$0

The annual fee is waived off for the first two years.
Thereafter, annual fee is S$192.60 including GST.

Finance Charges

EIR 26.9% per annum (minimum) Effective Interest Rate (“EIR”): If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.074% from the respective transaction dates for all transactions to the date the payment is received.

Cash Advance

6% per transaction
Your cash advance fee per transaction is 6% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.077% per day on the amount withdrawn from the date of the transaction until the date of full payment.

Late Payment Charges

S$80
A late payment charge of S$80 will be charged if minimum payment due is not received by the due date. The EIR applicable on your credit card and funds transfer account(s) will be adjusted to 28% per annum if the minimum payment due is not received by the due date). If you have only missed one payment, it will be reinstated to the prevailing EIR once minimum payment due is made in full. If however your account has been twice or more past due on a consecutive basis, the EIR will only revert to 26.9% once minimum payment due for the relevant consecutive months where your account was past due is made in full.

For more details on all other applicable fees and charges, please click here.
Unlimited Cashback Credit Card Terms and Conditions

The Standard Chartered Unlimited Cashback Credit Card (“Unlimited Card”) gives you 1.5% cashback (“Unlimited Cashback“) when you (including your supplementary cardholder(s) on your Unlimited Card account) charge Eligible Unlimited Card Retail Transactions (refer to transaction exclusions below) to the Unlimited Card. The following transactions are not Eligible Unlimited Card Retail Transactions and will not earn Unlimited Cashback: a) any cash advance; b) any fees and charges (including but not limited to annual card fees, service fees, interest charges, cheque processing fees, administrative fees, finance charges, and/or late payment charges and other miscellaneous fees and charges) charged to your Unlimited Card; c) any Credit Card Funds Transfer; d) any monthly instalment of an EasyPay transaction; e) any amount charged to your Unlimited Card (and/or your supplementary credit card) that is subsequently cancelled, voided, refunded or reversed; f) recurring payments or payments made to all billing organisations using Standard Chartered Online Banking; g) AXS or ATM transactions made using the Unlimited Card; h) amounts which have been rolled over from the preceding months’ statements; i) tax refunds credited into your Unlimited Card account (and/or your supplementary credit card account); j) any tax payments charged to your Unlimited Card (and/or your supplementary credit card); k) any insurance premiums charged to your Unlimited Card (and/or your supplementary credit card); and l) any top-ups or payment of funds to any prepaid cards (with the exception of EZ-Reload charged to your Unlimited Card) and any prepaid accounts including without limitation to the following accounts or any other accounts as we may specify from time to time; and EZ LINK PTE LTD, EZ LINK PTE LTD (FEVO), EZ-LINK PTE LTD SINGAPORE, EZ-LINK TOP-UP KIOSK, EZ-LINK (IMAGINE CARD), EZLINK*, EZ LINK, EZLINKS.COM, FLASHPAY ATU, TRANSITLINK*, TRANSIT LINK*, TRANSIT LINK PL, TRANSIT, MB* MONEYBOOKERS.COM, WWW.IGMARKETS.COM.SG, OANDAASIAPA, OANDA ASIA PAC, PAYPAL * BIZCONSULTA, PAYPAL * OANDAASIAPA, PAYPAY * CAPITALROYA, Saxo Cap Mkts Pte Ltd and SKR*SKRILL.COM m) any other charge, fee, transaction or payment as we may stipulate from time to time. Unlimited Cashback is computed on a monthly basis based on your statement date and will be calculated based on two decimal places for each individual Eligible Unlimited Card Retail Transaction without any rounding off . Unlimited Cashback earned will be reflected in that month’s card statement but credited to your principal Card account only in the following statement cycle month. Such Unlimited Cashback amount will be automatically offset against the following statement cycle month’s billed amount. Unlimited Cashback earned by your supplementary cardholder(s) of the Card will be credited into your principal Card account. Click here for the full Standard Chartered Unlimited Cashback Credit Card Terms and Conditions that apply.

Credit Cards Sign-Up Promotion Terms and Conditions

To be eligible for Credit Cards Sign-Up Promotion (“Promotion”) available from 1 July 2019 to 31 December 2019 (both dates inclusive) (the “Promotion Period”), you must (a) apply for one of the Eligible Cards (as defined below) issued by Standard Chartered Bank (Singapore) Limited (“Bank”); (b) be a new to Standard Chartered principal cardholder (i.e. do not have any existing/previously cancelled principal credit cards in the last 12 months with the Bank); and (c) activate the physical version of the Eligible Card within the first 30 days of card approval. If you satisfy all the eligibility criteria (a) to (c) above, you will be eligible to receive S$80 cashback (“New CC Cashback”), subject to the Current and Previous Cashback Cap as defined in the full terms and conditions for this Promotion. If you are an existing to Standard Chartered principal cardholder and you satisfy all the eligibility criteria, you will be eligible to receive up to S$20 cashback (“Existing CC Cashback”); subject to the Current Cashback Cap and Previous Cashback Cap. The New CC Cashback and Existing CC Cashback under this Promotion will be credited to your principal Eligible Card account within 30 working days of the date of activation of your Eligible Card. Visit sc.com/sg/signup-tnc for details and the full Credit Cards Sign-Up Promotion Terms and Conditions that apply. “Eligible Card” refers to Unlimited Cashback Credit Card, Rewards+ Credit Card, Platinum Visa/Mastercard® Credit Card, Spree Credit Card, NUS Alumni Platinum Credit Card, Prudential Platinum Credit Card, Prudential Visa Signature Credit Card and Priority Banking Visa Infinite Credit Card.

Standard Chartered Instant Approval Terms and Conditions apply

For details, please click here.

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